[Expired] Personal Capital: $100 Amazon Giftcard For Linking An Investment Account Referral Bonus

Looks like all links are now $50 instead of $100. Updating post title to ‘Expired’

The Offer

  • Personal Capital is offering a referral bonus of a $100 for both parties when you use a referral link and link a qualified investment account. Offer valid only for new customers who link [within 30 days of signing up] a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) [and that account must have at least $1k balance]

 

Share Your Referrals

Feel free to share your referral links in the comments if you have the $100 offer. Do not share your link if you have a lower offer. Not everybody will be able to refer people and there are offers for $20/$50 and $100. Please only include a link to your offer and no additional text.

Our Verdict

Personal Capital is similar to Mint.com but focuses on investment accounts more than Mint. Previously they have offered a $20 Amazon gift card, then $50 and now $100.Looks like the $100 bonus is in the form of a $100 Amazon gift card If for some reason only some people are targeted for the $20/ $50 deal, DO NOT POST YOUR LINK FOR A WORSE DEAL. If readers do that, they will banned from posting links in this and future referral link posts.

Hat tip to readers FM (their link here)

 

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Oliver
Oliver (@guest_711072)
January 24, 2019 01:09

Anyone know if these will get 1099s?

MisterBill
MisterBill (@guest_819405)
October 6, 2019 03:29

Yes, they did send out 1099’s.

I got close to $3000 in gift cards and had to pay tax on them. I used some, gave some as gifts, and had a bunch left to use. Just went to load one to my Amazon account and a bunch that I had not previously used are not showing as redeemed by someone else. I guess I need to start with Amazon to see what is going on. I do hope that Personal Capital did not get hacked or somehow reuse the codes.

Svy
Svy (@guest_819436)
October 6, 2019 08:20

MisterBill FM I believe had the same issue with some of his codes having been already redeemed. I don’t think we ever heard what happened, but I believe he did get new, unused codes from PC?

MisterBill
MisterBill (@guest_819521)
October 6, 2019 10:47

Thanks. The really sad thing about this offer (prior to discovering that I had $1000 of used codes) was that no one I referred actually signed up for their management service. I guess I could have seen that coming (and why this offer was probably a failure for them), but if anyone had signed up, we each would have gotten 3 months of free service (and which would not have been taxable for me). Also my discovering that Amazon gift cards cannot be sold because Amazon took away the ability to check how much is on it without actually loading it to your account.

Svy
Svy (@guest_819634)
October 6, 2019 15:03

MisterBill I think it just reinforces that these were not the kind of referrals that Personal Capital was actually targeting. (I did receive 3 months of fee free investment service.) However, I’ve advised personal friends to use a google voice account to avoid the sales pitches. While I think PC’s free tools are fabulous, I believe its investment services are overpriced and the inflection point for a reduced fee needs to be lowered.

MisterBill
MisterBill (@guest_819673)
October 6, 2019 16:49

I actually was on a cruise when this deal broke and actually tried to refer someone we had gotten friendly onboard and was currently using Edward Jones and really was a great target for PC’s services. She did not take well to my suggestion as she was very happy with EJ (and was almost definitely payment more than what PC charges). Happy to hear that you actually got some free months. And yes, posting the referral link here was not going to generate the types of leads that they wanted nor was offering such a generous reward for just linking a single account.

As for the level at which they drop fees, clearly they are looking for the $1m+ customer and charge more if you’re not at that level. They don’t consider themselves like Betterment and the other low-cost robo-advisors.

MisterBill
MisterBill (@guest_826263)
October 16, 2019 20:58

So this gets worse. I haven’t managed to talk to PC yet (I made an appointment to have the promotions people call me tomorrow). Today I got an email from Amazon saying that they were closing my account due to gift card issues. After determining that the email was not phishing (which was the first thing I suspected), I called and the person checked with the gift card people and came back to tell me that they would not tell her why they closed the account but that they would not change their minds and there was nothing I could do. I’m pretty sure it’s because I had tried to apply 11 previously used gift cards to my account a couple of weeks ago (i.e., the ones that were stolen from me). So I sent email to [email protected] and hopefully the executive resolutions team will fix this. It’s truly adding insult to injury having them accuse ME of gift card fraud when I’m the one who had $1000 in gift cards stolen from me!

JuicyJosh
JuicyJosh (@guest_702806)
January 8, 2019 20:37

Back in Oct signed up for 2 PC accounts under 2 different emails and investment accounts. Never received the bonus for either. (SO did after 1 day for hers) Was about to make a large purchase on Amazon so I figured wth and followed up with PC. From the emails I registered with contacted support and asked if I was suppose to receive the promo. Both responded with the code in < 24 hours.

Denise
Denise (@guest_697869)
December 30, 2018 22:38

Would it be possible to unlock the $50 referral thread:
https://www.doctorofcredit.com/personal-capital-50-for-linking-an-investment-account-referral-bonus/?

Looking for a $50 code, since all the $100 codes are dead.

Erik
Erik (@guest_697907)
December 30, 2018 23:27

Agree. I have several friends & relatives that are interested in signing up in return for a good reward..
Maybe even let the person that refers give back a little extra for “volume” customers :-). (e.g. by Paypal).
I remember something like that with the Netspend referrals (back in the “good old days”).

pete
pete (@guest_686440)
December 6, 2018 18:28

They are telling me I won’t get the gift card due ti duplicate info provided. I have no idea what that means. Anyone else told that? Who can I complain to? Are they regulated?

Jake
Jake (@guest_688592)
December 10, 2018 15:53

Same. I just made a Twitter @FuccPersonalCap1 and I plan to harass until they pay up

pete
pete (@guest_688783)
December 10, 2018 20:13

Please let us know what happens. They have been ignoring me. Thanks

Jake
Jake (@guest_688983)
December 11, 2018 04:56

They gave me a $100 amazon gift card at 8pm last night. It worked. While it’s a dick move, it got the job done. I didn’t publicly tweet at them, but sent them a nasty, yet professional, DM that basically said I’m willing to bash you over this $100 is that what we both want to happen? Ended up getting an apology email saying there must have been a mix up and then a $100 amazon gift card email a few minutes later. Redeemed to amazon account, then unlinked my investment accounts and closed my account. Normally I’m not for burning relationships like this, but the app as a whole I didn’t like, and the customer service and ring around for 10 weeks around this $100 gift card just left a bad taste in my mouth. End of the day I got the $100 though so I guess it’s all about the end, not the means to an end. Good luck.

pete
pete (@guest_690308)
December 13, 2018 12:17

The said the referrer wasn’t authorized to provide me the link so denied it. i’m calling BS on this one.

Brian
Brian (@guest_693401)
December 19, 2018 13:32

Agreed. I don’t see any ‘one per household’ language in the T&Cs yet they’re saying the phone number is a duplicate. Should’ve used a google voice number.

jon
jon (@guest_696870)
December 27, 2018 16:27

LMAO!

Ricardo
Ricardo (@guest_678136)
November 25, 2018 15:46

I signed up on Oct 30th using Sue’s link. At the time she was beyond the 30 referrals. Anyone in a similar case to mine receive their gift card? I linked a $1000+ fidelity account the same day.

james
james (@guest_677228)
November 23, 2018 07:32

are the $50 and $100 links both dead

Bill
Bill (@guest_677921)
November 24, 2018 21:07

I still have a $50 offer.

[link removed. Please don’t post it]

aoba
aoba (@guest_673130)
November 15, 2018 02:29

Both my wife and I signed up for it on the same day. I have received the email with a $100 Amazon code from Personal Capital. However, my wife hasn’t. She has unsubscribed from some emails from Personal Capital and that’s probably the reason for her not getting that $100 Amazon GC email. Is there any way to retrieve the $100 Amazon GC code? Thanks to all!

Tom
Tom (@guest_672761)
November 14, 2018 19:55

I signed up on 10/17 through one of links below. Used td ameritrade. Never got the bonus. Anyone else in same boat?

Katie
Katie (@guest_674330)
November 17, 2018 13:20

Yes. Both my SO and I signed up on the 14th and have received nothing. Got canned answers to email inquiries about it. If Personal Capital is this disorganized about its own offers, why on earth would I trust them to handle my money in general?

Michael
Michael (@guest_674802)
November 19, 2018 00:59

Same, signed up on Oct 16 and haven’t received anything. Disappointed to say the least. PC assigned me an “advisor” whom I will contact at the end of November if I still haven’t received anything, but I fully expect that to be fruitless.

el_pistolero
el_pistolero (@guest_675884)
November 20, 2018 17:24

#metoo signed up on 10/14 no bonus yet

Laura H
Laura H (@guest_672411)
November 14, 2018 13:05

It’s unfortunate the $100 offer is expired, but it was live for almost a full month. If people are still looking to sign up and interested in the $50 offer (best offer available right now), here is an active referral link: [link removed. Please don’t post the lower bonus]

FM
FM (@guest_671596)
November 13, 2018 01:27

Just as FYI and as Svy and Michael Saves confirmed below, my link is now down to $50 as well. PC sent out an email today mentioning the “new” $50 offer. I am curious however if the referral counter reset with the new offer and if we’re all re-eligible to refer another 30 people at the new $50 rate LOL

 William Charles could you please remove my link from the main post since it’s now expired? Thanks again for featuring it – I’m so happy to be have been able to share the wealth with the DoC community! Let us know if you ever want to try again with the $50 links.

Svy
Svy (@guest_671676)
November 13, 2018 11:23
  FM

I LOL’d when you said maybe the $50 promo starts a new promo and new eligibility. Until just now when I received a congrats, you received $50 from your successful referral. I think it is just PC’s faulty programming of automatic messages again, but it did give me pause.

FM
FM (@guest_671698)
November 13, 2018 12:26

I got the same email this morning :). Wouldn’t be surprised if somehow their stats got reset

Michael Saves
Michael Saves (@guest_673273)
November 15, 2018 10:51
  FM

FM Svy I did receive one $50 gift card today from the new (lower) bonus, so maybe it did reset. Would be nice since we didn’t get the credit for so many of the others from the previous bonus.

Bill
Bill (@guest_677925)
November 24, 2018 21:11
  FM

Did you and others get your full 30 referral credits? My referral page is showing 27 successful referrals, one of which was for $20 early in the year (so $2620 total). I supposedly still have 10 pending referrals for $1k (which would put me over 30), but I wonder if those people did not link the appropriate account or if PC is holding them up for some other reason.